Non-owner car insurance is a type of insurance cover that most people do not consider, irrespective of the fact that it is common that most people rent and drive cars that are not theirs. Most of these drivers assume that the normal insurance of the car they are driving will cover them if they get in to an accident.
Today, rental car companies have become more cautious than ever. It is not possible to rent these vehicles without at least having the minimum legal amount of insurance in case of an accident. This cautious approach is an attempt by them to minimize the risk of legal action as a result of accidents.
It is also important to note that non car owner insurance coverage is not for those who borrow vehicles infrequently but it is more targeted to drivers who frequently borrow and use cars that they are not insured to drive or are not covered by the insurance provider of the car.
The primary advantage and most important consideration about non car owner insurance coverage is that it provides insurance to the driver at a relatively low cost when compared with the option of taking normal car insurance. Due to the cheaper costs of the coverage it is therefore used to cover personal injury and very limited 3rd party liability. It protects the rental companies and the driver in case of a lawsuit when sued for damages by injured parties. Using this type of insurance cover means that you can minimize the possibility of getting sued.